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HDB
BanksNgân hàng Thương mại Cổ phần Phát Triển Thành phố Hồ Chí Minh
Ngân hàngNH
25.300
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
22.900
Current
25.300
Gap
-9.5%
ModelPB ROE REGRESSION
Valuation Breakdown
NH→Bank
Classified as bank because company type is NH (commercial bank)
ModelP/B x ROE Regression
Intrinsic Value = Fair P/B x Book Value Per ShareEstimates fair value by finding the statistical relationship between how much investors pay for a bank's book value (P/B) and how efficiently it generates returns (ROE). A bank that earns more on its equity deserves a higher price-to-book multiple. We regress P/B against ROE, NIM, and cost efficiency across all listed Vietnamese banks to find where this bank should trade.
1
Model Inputs
Avg ROE→25.28%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.52x
x
BVPS
15.094
=
Intrinsic Value
22.900
Valuation Track Record
Retroactive intrinsic value vs actual close price — HDB
Earnings Quality
Fiscal year 2025
77
Good
Accrual Quality
83Cash Conversion
100Margin Stability
100Revenue Quality
22Quantitative Scores
F-Score
3/9
Weak
Sharpe
0.83
Positive
Composite
72
Strong
Price Risk
Momentum
+60.0%
Volatility
37.1%
Max Drawdown
-20.0%
Key Ratios
Fiscal year 2025
1.87P/B
P/E8.55
ROE25.3%
ROA2.1%
EPS3297.21
BVPS15093.91
Net Margin47.5%
Rev Growth17.2%
Profit Growth29.3%
Div Yield0.0%
Company Overview
Issued Shares
5005.3M
Charter Capital
50052.8B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for HDB — hover nodes for intel, click to navigate
Computed 12/04/2026